Is it safe to put 20 thousand spare money in Alipay?

Of course, there is no doubt about it.

Economically, any third-party depository has risks. But on this basis, even the existence of banks is risky.

And now Alipay's security mechanism has surpassed the four major banks to some extent.

For all suspicious payments, the verification code will be mandatory and the user will be notified by SMS. It will even force consumption to stop to some extent.

And if you buy a pancake fruit in Sanlitun at 7: 00 (I don't know why you bought pancake fruit there), and then you want to buy a second pancake fruit in Zhongguancun half an hour later, you can't pay for it.

Because Alipay thinks you can't get to Zhongguancun in such a short time during the morning rush hour.

Alipay's security is based on sacrificing the user experience, that is to say, Alipay thinks that the security of use must be cool and important.

Once I wanted to make a large consumption of 15000, when the credit card limit was insufficient. Just for the time being.

I usually arrive in real time, but I don't know why I waited for several hours that day.

As a result, I paid back the money directly.

For the first time, there are not enough places.

The second time, there were not enough places.

The third time, there were not enough places.

The fourth time, hello, your account has abnormal behavior, and we will temporarily ban consumption.

I ...

I heard a story before. A vendor hung a QR code on the booth to collect money. As a result, he was replaced and didn't get a penny a day.

Calling Alipay, Alipay said: I gave this money.

Alipay itself has a claim settlement mechanism. Where it is found that the stolen behavior is not caused by the user's own major mistakes, or is suspected of theft, it will be fully settled.

At the beginning of 16, there was an article "My Wonderful Experience of Recovering 25,000 Yuan from Alipay in Ten Days", which was popular on the Internet and told some twists and turns in the process of Alipay's claim settlement.

But think about it, if you changed those bankers, how many would talk to you?

My mother's credit card was stolen before, which is only 5000 yuan. Entangled for more than half a year, even coaxed and scared. If it weren't for the legal aid provided by a friend who is a lawyer ... dream on.

Moreover, after the storm, Alipay admitted the shortcomings of its own algorithm and promised to improve it. I believe this.

After all, JD.COM, Aribi is much bigger, and it is ok to bully customers like Dong Ge, but it is not. After you have done what you should do, sincerely apologize and promise to improve.

No matter what others think, I believe Alipay must be safe.

I was robbed of Alipay on February 20 17 (the second day of the New Year's Day). At that time, in the morning, I found that the mobile phone number bound to the bank card received a short message prompting that there was a consumption record. I thought it was spending on red envelopes during the Chinese New Year, and I didn't care too much. At noon, I turned on my mobile phone and found that Alipay could not log in, prompting that the password was wrong, which was a little suspicious. By retrieving the password, I found that the morning message was to transfer the bank card money to Yu 'ebao through Alipay. Because Alipay changed the password, the money in Yu 'ebao was not lost. Although I knew someone was stealing it, I didn't go further.

But at 4 pm, my mobile phone began to receive a series of bank card consumption tips, ranging from 200 to 500, with 7 items totaling about 3,000 yuan. At this time, the mobile phone Alipay prompts that the password is wrong and cannot log in. And I was pushed off the line as soon as I got my password back and prepared to complain. Realizing that the situation was wrong, I immediately called Alipay customer service, explained the incident to the customer service, and applied for temporary freezing of the account (fortunately, they were still on duty on the second day of the Lunar New Year).

After the customer service froze my account, they said that their technicians would handle it and prompted me to report the loss of my bank card.

Finally, about a week passed, during which the customer service also called to ask for details and told me that if they really didn't operate, they would pay. A few days later, I changed the security verification method of Alipay, changed my mobile phone and unfrozen my account again. I found that the other party bound a Bank of Communications bank card with the same name in my Alipay, and then transferred the funds to the card. After I provided the report record and the Bank of Communications proved that the bank card was not mine, Alipay returned the stolen money to me through the insurance company.

I feel sick here. Alipay customer service does not provide specific technical support. For example, I asked her by what means the other party changed my password, was it to retrieve the password or to verify it by SMS? Why didn't I receive the verification code before I changed my password? They all said they couldn't tell. Then the bank. I believe it is easy for the other party to steal my identity information, but how did the bank card with the same name come from? Bank of Communications inquired that my ID card had not been transferred to them.

Finally, there is a follow-up to this matter. Although I have strengthened account management and changed my mobile phone, I have not counted the credit tools provided by Alipay. About half a year later, I received a customer service call in installments, saying that I had more than 10 thousand overdue debts. Later, I learned that it was also at that time that the other party used Alipay credit tools to purchase more than 65438+100000 goods in the next issue. Because I had a report record of Alipay being stolen at that time, and Alipay also recognized it. In addition, I have never been to the address where the other party buys goods. In the future, my risk control is weak and the audit is not strict. Later, they handled the account themselves and left me alone. Further inquiry, I have inexplicably opened many accounts on multiple credit platforms.

Finally, what I want to say is that it is entirely possible for Alipay to be stolen. However, the aftermath of Alipay is still in place and can be used with confidence. It should be noted that Alipay now embeds too many application scenarios. In addition to common types such as bank cards, other credit consumption is also hard to prevent and needs attention.

I've been thinking about this problem before. Is it better to deposit money in the bank, or to deposit WeChat and Alipay? After all, today's food, clothing, housing and transportation are inseparable from WeChat and Alipay. On the contrary, bank contact is getting less and less.

Although I have no money to save now, let's make an analysis here! After all, maybe one day you will suddenly have money, right? Well, before it's too late, let's analyze the advantages and disadvantages of the three.

Save money in AliPay and WeChat.

Let's leave the rest aside. If you know how to manage money and can invest in stocks, it is recommended to buy wealth management products if you have spare money, because that will not lead to the depreciation of cash due to inflation.

Save money in AliPay

Let's discuss the public's choice. Everyone will not stay in the balance of Alipay. Usually, everyone will put Yu 'ebao or Yu 'Bao Li, because it can not only be directly used for consumption, but also has a certain income. In addition, the amount spent or borrowed will also increase.

Although they are all wealth management products in Alipay, there are still some differences before. The amount of quick reminder of Yu 'ebao on the same day is 6,543,800 yuan. Even if it is invested in Bao Li, it will cost 30,000 yuan at most. When there is an emergency, I am really rich and can't take it out.

Personally, I think that although it is convenient and safe to put money in Alipay, it is best not to deposit more than 10000 yuan, because it can't be taken out in an emergency, and the usual expenses of 10000 yuan are barely enough. It is recommended to deposit the extra money in the bank.

There is also that when we manage money and save money, we always want to earn more interest, but the flow of funds is also a very important consideration, and it is easy to be in a hurry when we need money urgently.

Most of the time, we'd better not rush into it, such as buying real estate and putting it away, emptying our pockets and putting it all in fixed assets, but when we are in urgent need of cash, we have to depreciate it and have a sale. We can make some appropriate investments to prevent inflation, but we have to keep 5% to 10% of the funds in hand.

Thank you for inviting me. I am telling the truth. As for putting money in Alipay, isn't it safe? I want to say that there is no absolutely safe product, even if you put your money in the bank, you can't guarantee that 100% is safe, and there is also the risk of being stolen. At present, the security level of Alipay should be similar to that of banks.

Alipay currently has nearly 500 million real-name users, and Yu 'ebao currently has assets of 800 billion. Its security should be very high. In order to avoid the risk of theft, we must take good care of our accounts and passwords. The login password and payment password must be set differently, preferably a combination of letters and numbers, and the screen lock password of the mobile phone must also be set. Don't tell others easily. And the confidential payment in Alipay must be closed. Only in this way can we protect the safety of our funds to the maximum extent.

Answer over. Thank you!

First of all, Alipay account is not safe. If your Alipay account is safe, the money in it is largely safe and secure.

Secondly, Alipay is more reliable than other revenue software. After all, it is a big company that stresses honesty, and its income is relatively stable, with an interest of about 1 10,000 yuan per day 1 yuan.

Third, you have 20,000 yuan, earning around 2 yuan every day, 365 days a year, which is probably the annual interest of 700 yuan. Not bad for us ordinary people.

Finally, if it is stolen, you can contact Alipay official and legal channels to safeguard your legitimate rights and interests.

I'm Cai Jun Vision. As an old Alipay user who has used Alipay for more than ten years, I am glad to answer your question.

First of all, tell your dad that it is relatively safe to put 20 thousand spare money in Alipay, at least safer than the bank.

Everyone knows that banks are easy to enter and ugly. No matter how you lose money, you are not responsible for leaving the counter.

The security concept of Alipay is greatly paved. There are many IT experts behind it. Alipay's system is hard to be conquered by hackers all over the world.

Moreover, Alipay has insured a safety insurance for everyone for free, although it can only be insured once.

There is also an account security insurance worth two yuan in Alipay. The package is only two yuan a year, and the insured amount is 654.38+00,000, with unlimited insurance times. If your money is stolen, threatened, etc. , this matter is solved.

Let's have a look. Claim clause, insurance liability.

However, Alipay's account security insurance also has an exemption clause.

If it is fraud, it will not be settled, and you need to call the police.

I can tell you for sure that it is safe here. As for the reason? I'll tell you next.

Let me talk about my personal experience around me. I have a friend who works in a company, and the money on his Alipay was stolen by colleagues in the same dormitory. When we found the bank, WeChat didn't pay. Finally, I found Alipay and dialed the official number. After verification, I will pay immediately. So we can see the security of Alipay.

Of course, like my friend, it is also his own problem. How can you just tell others your payment password and mobile phone? So first of all, protect your payment password, and then remember not to lend your mobile phone and password to others easily.

Very safe. I have been paying in Alipay for so many years. A few years ago, I paid Yu 'ebao. Later, I paid the money, or I bought some funds. I put some money in the fund, not in the bank!

To be sure, it is safe to put 20,000 yuan into Alipay, and there is interest on putting Yu 'ebao or Yu Bao Li, which is about 2 yuan per day.

Alipay can buy insurance for its own funds, with a maximum of1100,000 yuan a year, which is more convenient than putting it in the bank. You can deposit and withdraw money at any time without going to the bank to queue up for business, and you can do it with your mobile phone, saving a lot of time.

Today's mobile payment, fast payment has become inevitable. Although Alipay has many restrictions, the initial intention of using Alipay remains unchanged, and we will continue to use and support Alipay.

Alipay has no problem.

Personally, I think it is quite safe. I say this because I also put my money in Alipay, and I get income every day, which is better than putting it in the bank.

The key is to use your mobile phone everywhere now, and it is also convenient to put money in Alipay. Whether it's transfer or consumption, you can get it with your mobile phone anytime and anywhere!

Personally, I still trust Alipay, and the security is still very high, mainly because it may involve password leakage or fraud. Normally, if you are more careful, there will be no problem. And it can also generate income, killing two birds with one stone.

Just before I applied for a loan from the bank, a problem appeared. Before I applied for a loan, most of the proceeds were put in Alipay. I didn't use it for financial investment when I sent the bank running water, and I suspected that the income was unstable. Later, I printed the Alipay bill, and the bank said no. It is suggested that banks can also use Alipay as proof of income in the future.